Premium Credit Partners serves Miami and all of Miami-Dade County by phone, video, and email from our Fort Lauderdale home base. We audit all three credit reports, dispute inaccurate, incomplete, or unverifiable items, and help clean up identity theft. Your first consultation is free, fees are charged only after work is performed, and we don't guarantee results.
Credit help for Miami and Miami-Dade County
Miami-Dade is the largest county in Florida, and a lot of its residents rent in one of the most expensive housing markets in the country. When rents are high and competition for apartments is tight, a credit report error can be the difference between getting the place and losing it to another applicant.
Identity theft is the other big issue we see. Florida consistently ranks near the top of the country for identity theft and fraud reports to the Federal Trade Commission, and Miami-Dade residents are no exception. Fraudulent accounts and collections can sit on a report for years if nobody challenges them.
Identity theft and fraud on your credit report
- File an FTC report. An identity theft report from IdentityTheft.gov is the key document. With it, you can ask the bureaus to block fraudulent information under the Fair Credit Reporting Act.
- Freeze your credit for free. A security freeze at Equifax, Experian, and TransUnion stops most new accounts from being opened in your name. It's free and doesn't affect your score.
- Place a fraud alert. An initial fraud alert lasts one year and tells lenders to verify your identity before opening credit.
- Dispute every fraudulent item. We go through all three reports and dispute each account, inquiry, and address that isn't yours.
Our credit services for Miami
- Three-bureau credit report audit: a line-by-line review of your Equifax, Experian, and TransUnion reports
- Credit dispute services: disputes for items that are inaccurate, incomplete, or unverifiable
- Collections & charge-off disputes: including debt validation letters on the Full Service plan
- Late payment & hard inquiry disputes: for reporting errors and inquiries you didn't authorize
- Credit monitoring setup: so you can watch changes as they happen
- Credit building & education: utilization, payment history, and account-mix coaching
- Mortgage-ready credit preparation: getting your file in order before a lender pulls it
- Business credit services: educational Funding Readiness for owners and side businesses
We can't remove accurate, current information, and we'll tell you honestly if an item looks correct.
Helpful local resources
- Miami-Dade Clerk of the Court & Comptroller: search civil and county court cases, including collection lawsuits and evictions.
- IdentityTheft.gov: report identity theft to the FTC and get a step-by-step recovery plan.
- Consumer Financial Protection Bureau (CFPB) and the Florida Attorney General: complain about a bureau, collector, or lender that won't fix a fraud-related error.
- Free weekly credit reports at AnnualCreditReport.com.
Common questions from Miami clients
You're in Fort Lauderdale. Can you really help me in Miami?
Yes. We have no walk-in office anywhere. Every client, including those in Miami-Dade, works with us by phone, video, and email, Monday through Saturday.
Can you remove accounts that aren't mine?
Accounts opened through identity theft aren't accurate information, so we dispute them and help you use your FTC identity theft report to request blocks. We can't guarantee how a bureau or creditor will respond.
How it works and what it costs
Your first consultation is free. Before you sign anything, you get our written disclosures and agreement. You can cancel without penalty within 3 business days under federal law and within 5 days under Florida law. Every fee is billed only after the work it covers is done: a one-time $99 audit fee after your first disputes are mailed, then $79/month (Basic) or $109/month (Full Service, includes Funding Readiness), billed after each month's work. See plan details.
We can't guarantee any particular result or score change. Accurate, current, and verifiable information can't be removed from your credit report. You have the right to dispute inaccurate information with the credit bureaus yourself, for free.
Nearby areas we serve: Hollywood · Miramar · Fort Lauderdale & Lauderhill · Pembroke Pines · Boca Raton · All areas